Witwen-Rente - FINBER | It’s easy to talk about finances in Germany

Widow's pension / Widower's pension

Widow's pension / Widower's pension (Witwen- or Witwer-Rente) HOW MUCH, HOW LONG AND WHO IS ALLOWED? Most of us have heard that in Germany, in the event of a tragic event with one of the spouses, the second receives the spouse's pension or part of it. This is true, BUT not always and not to the full extent. Let's look at the issue in more detail. But first let’s look at [...]

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By law (UrhG) download fi

According to the law (UrhG), downloading films and music in Germany is not prohibited, but there are nuances, so be careful and careful 😉. For example, if the P2P protocol is used when downloading a file (this is how a torrent works), then you are not just downloading a movie, photo or music, but also distributing all this to an unlimited number of users. And this is considered illegal file sharing. Of course, you should be careful with illegal sites too, and also not download for free what the author initially provided for a fee. Read carefully the rules on free sites, as they often have a mandatory condition - to indicate the author or name of the site. According to UrhG, downloading computer games without permission from the copyright holder may be illegal as it violates copyright. Buy games if the developer provides it. OH, I AM ACCIDENTAL... As you know, in Germany there is a punishment for breaking some kind of law, so sometimes you have to pay dearly for an “accident”💶. Is it worth it or not to pay a fine for downloading movies, photos or music? Here, a lawyer can advise you, whose services are often expensive. If you do not have separate lawyer's insurance, then there is a fairly affordable option in personal liability insurance Privathaftpflichtversicherung, which provides coverage for the cost of consulting a lawyer. This option is not enabled automatically, so if you want to add it, write to me in Direct, I will send you a link. In the comments 👇🏻, please share your personal experience, maybe you or someone you know has encountered fines for downloading movies/music/images. What they were doing? Did you pay a fine or contact a lawyer?

If at the beginning of the year the analyst

If at the beginning of the year, analysts only predicted an increase in the price of gold to $2300 per ounce, now, in April 2024, the price fluctuates from $2251 to $2392 throughout the month. Gold is becoming more and more attractive for investment, so I want to share what options there are for buying gold. Option 1. Savings plan. That is, you make monthly contributions of 25 euros or more, and when you pay the entire amount, they will send you your gold bar (from 20 grams). Option 2. One-time purchase. You pay the entire amount from 2500 Euros, and the bars are sent to you. Option 3. Storage in a customs warehouse. You can purchase gold and other precious metals but store them in Swiss duty-free territory. Each of these options has its own advantages, which you can consider in more detail on our website. If you need a link for review, write in Direct the word “GOLD”. I also want to remind you to use a variety of investment vehicles and not keep everything “in one basket.” Consider gold as part of your investment portfolio. If you need advice on investing in gold, then write to me.

📢 We have a new month ahead, which means it’s time for change and news. In this post, I shared with you the important changes that will affect us in May 2024. What do you think about the changes? . . . #Germanyonline #lifeinGermany #newsGermany #workingGermany #financesinGermany #Germanycitizenship #workingGermany #studyingGermany #helpinGermany

Would you like to get a German passport? Thanks to the new law, which will be in effect from June 26, 2024, Germany is becoming a more attractive country for immigration. 🔥You can now get a German passport after 5 years or even after 3 years if certain integration conditions are met. Previously, it was 8 years and you also had to renounce your previous citizenship. You will be entitled to German citizenship under the new law if: 🔹 You have legally resided in Germany for 5 years (or 3 years with rapid integration). That is, you have the right to permanent residence or a residence permit. 🔹You can provide for yourself and your family members and not receive benefits and unemployment benefits. 🔹You have a sufficient level of German (minimum B1 for those applying after 5 years and C1 for those applying after 3 years). 🔹You have enough knowledge about laws, social and legal order. 🔹You have no criminal record. These changes in the law on German citizenship are of an unprecedented historical nature, they may please or outrage someone, give hope or cause for debate, but the fact that politicians intend to attract and retain qualified personnel in the country is a fact! Do you think this decision will lead to the goal?

Friends, today I want to share

🗓️ From March to October - per

🗓️ From March to October is the period of tick activity, when the likelihood of bites and transmission of diseases such as borreliosis (Lyme disease) and tick-borne encephalitis (FSME) increases. Due to the relatively mild winter this year and comfortable temperatures for ticks in the spring, this year the number of dangerous parasites will be much greater than in previous years. It is especially important to be careful during humid and warm days when ticks are actively moving around in search of food. Which regions of Germany have the highest risk of infection? Bavaria, Baden-Württemberg, Hesse, Thuringia, Saxony - these lands are recognized as endemic areas for tick-borne encephalitis, a disease caused by a virus transmitted through the bites of infected ticks 😱 ❗️Vaccination is recommended to protect against tick-borne encephalitis in these regions! Contact your Hausarzt - your insurance policy will provide you with free vaccinations. 🔴 In Germany, it is not customary to submit ticks for analysis; instead, it is recommended to independently monitor the location of the bite and the condition of the victim. 🟢 If you have accident insurance (Unfallversicherung), we recommend checking whether situations involving tick bites are covered. In such cases, additional payment may be provided. ❓ Have you or your pet already caught these “adorable” creatures? Have you been vaccinated? In 2018, our whole family, unknowingly, faced this scourge, and we were lucky that the bites were from ticks not infected with encephalitis 🙏 Of course, our whole family was immediately vaccinated. And already this year, our colleague and her pet managed to catch ticks. So take care of yourself, your loved ones and your pets! . . . . #encephalitis #ticks #petsGermany #borreliosis #ticksGermany #prevention #Lyme disease #tick-borne encephalitis #vaccination #repellents #Germanyonline #lifeinGermany #newsGermany #workingGermany #financesGermany #Lebensversicherung #insurance inGermany #investmentsinGermany #helpinGermany #educationgerm Ania #insuranceGermany #animalsGermany

❗️It is best to take out additional dental insurance before visiting the dentist. In this case, you have the opportunity to choose a suitable tariff from a sufficient number of offers. 🦷 But if you have already been to the doctor and received a plan for dental prosthetics or a recommendation for removal, then there is a profitable offer for you that is valid only until August 1st. ✅ I found a plan that covers up to 90% of dental treatment when you already have a plan or dentures are recommended. Unfortunately, companies do not offer them on an ongoing basis, and the offer is quite tempting: from 4,92 €/month to 29,90 €/month you will pay to be reimbursed for the costs of previously recommended dental prosthetics, taking into account the conditions of the tariff you have chosen. ☝️ Please note that for each missing tooth or recommended for removal, the tariff includes an additional fee of 8,60 euros per month. 👩‍⚕️ 👨🏼‍⚕️ If you have a dental prosthetics plan, don’t miss the opportunity to save on bills and take out additional insurance while you can. These tariffs are not profitable for the insurance companies themselves, so they want to close them and never return to them. ❗️And if you don’t have a treatment plan, then remember that additional insurance for dental treatment must be concluded before you have one. Having trouble figuring out what kind of insurance you need? I'm always ready to help. ✉️ Write me the word “Smile” in direct message, answer a few questions, I will select the appropriate insurance rate for dental treatment for you. ❓And if you have any questions about dental insurance or choosing a company when you already have/don’t have a treatment plan, write in the comments.

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